SIP Calculator – Systematic Investment Plan
Estimate how regular monthly investments may grow with compounded returns, then review the annual projection and export the current calculation to Excel.
Investment assumptions
Estimated outcome
How contributions and estimated value build over time
Annual projection
| Year | Contributions | Estimated value | Estimated return |
|---|
How to use the SIP calculator
What this calculator does
This calculator estimates the future value of equal monthly investments made through a systematic investment plan. It combines your contribution amount, investment period, and assumed annual return into a maturity estimate, then separates the result into money contributed and estimated investment return. It is a planning model, not a forecast of a particular mutual fund, guarantee of returns, recommendation, tax calculation, or substitute for reviewing a scheme's official documents.
When to use it
Use it to compare affordable monthly contribution levels, test how a longer horizon can affect compounding, assess the return assumption needed for a rough savings target, or prepare a simple projection for a household financial plan. It is also useful for stress-testing a plan with a lower expected return rather than relying on one optimistic scenario.
How to calculate
- The calculator opens with a ready-to-use demonstration: ₹2,000 per month for 20 years at 12% a year. Its results, annual table, chart, and validated example workbook are available immediately.
- Replace Monthly SIP amount (P) with the amount you expect to invest each month. Enter plain digits and an optional decimal point; commas, the rupee symbol, scientific notation, and decimal commas are rejected to prevent ambiguous input.
- Set Investment period (t) in years. A partial year is allowed; the calculator converts it to the nearest whole number of monthly payments.
- Enter the Expected rate of return (r) as an annual percentage. The model divides that nominal annual rate by 12 to obtain the monthly rate.
- Read the maturity amount and supporting outputs, inspect the annual projection, then choose Download Excel to export the fresh current-state model. Reset clears the demonstration and results; Excel remains unavailable until all three required fields contain a complete valid state again.
Input guide
Monthly SIP amount (P) is a required rupee amount from ₹1 to ₹100,000,000; for example, 2,000. Increasing it raises contributions and maturity value proportionally when the rate and term stay fixed. Do not paste ₹ signs or grouped numbers. Investment period (t) is a required number of years from about 0.0833 to 100; for example, 20. A longer period adds contributions and more compounding periods. Avoid interpreting 18 as months: this field is years. Expected rate of return (r) is a required annual percentage from 0 to 100; for example, 12. A higher assumption raises the estimate but does not reduce market risk. Enter 12 for 12%, not 0.12.
Output guide
Maturity amount is the estimated end value in rupees. Total investment is the exact identity of monthly amount multiplied by the number of payments. Return is maturity amount minus total investment; at 0% it is zero, and with the supported nonnegative assumptions it cannot be negative. Investment multiplication factor is maturity divided by contributions; 1.00× means no modeled gain. Monthly rate used shows the annual assumption divided by 12. The summary pills repeat the monthly contribution count, annual return, and estimated gain. In the annual projection, Year identifies the reporting point, Contributions is cumulative money invested, Estimated value is the modeled balance, and Estimated return is their difference. The chart displays those same cumulative contributions and estimated-value series.
Worked example
With ₹2,000 invested monthly for 20 years, there are 240 payments and total contributions of ₹480,000. At 12% nominal annual return, the monthly rate is 1%. The beginning-of-month annuity formula gives an estimated maturity amount of about ₹1,998,296. The estimated return is therefore ₹1,518,296, and the maturity amount is approximately 4.16 times the money contributed. These values match the first-open controls, table, chart, and workbook.
Learn more
Before investing, review the Securities and Exchange Board of India's guidance on understanding mutual funds and its Riskometer explanation. The Association of Mutual Funds in India also explains how systematic investment plans work. These resources can help you evaluate risk, costs, and scheme information that a simple return calculator does not model.
Formula and assumptions
M = P × [((1 + r)^n – 1) ÷ r] × (1 + r), where r is the monthly rate and n is the number of monthly payments.
The extra (1 + r) treats each monthly payment as occurring at the beginning of the month. When the expected return is 0%, the calculator uses the exact fallback M = P × n. It excludes expense ratios, taxes, exit loads, transaction timing differences, skipped installments, step-up contributions, inflation, and changing market returns. Mutual-fund returns are market-linked, so a smooth compound-rate projection can differ materially from actual experience.
For education and scenario planning only. Consider liquidity needs, investment horizon, risk tolerance, scheme costs, and official offer documents before making an investment decision.